Dental Practitioner Proposal for Dental Indemnity Policy Support Protect Promote

Transcription

1 Support Protect Promote Dental Practitioner Proposal for Dental Indemnity Policy Support Protect Promote This is a proposal for a Dental Indemnity Policy underwritten by MDA National Insurance Pty Ltd (MDA National Insurance) ABN , AFS Licence No In completing this proposal, we, our and us means MDA National Insurance. You and your means the proposed insured. It is important that all information contained in this proposal is accurate and complete as this document will form the basis of the insurance contract between you and us. Where there is not sufficient room, please provide your answer on a separate attachment. Failure to disclose all material information that is likely to influence the acceptance of the risk or the terms applied could invalidate the insurance contract. If you have any doubt as to whether any information is material, it should be disclosed. Please read the Important Notice on page 4 before completing this form. Please ensure that you read and understand the terms and conditions of the Dental Indemnity Policy as outlined in the Dental Indemnity Policy Important Information and Policy Wording, and any Supplementary Important Information and Endorsement to Policy Wording. Where you have an obligation to notify the insurer of a matter, this matter can be advised to the relevant Corporate Authorised Representative of the insurer. Please contact the association or organisation that arranges your indemnity insurance to notify any matters under this policy. Note: The issue of a policy is subject to our underwriting approval. Support Protect Promote 1. Personal Details Title Date of birth / / First name(s) Middle name(s) Surname Former name/maiden name Male Female Mailing address State Postcode Primary practice address State Postcode Home telephone ( ) Practice telephone ( ) Facsimile ( ) Mobile Corporate Authorised Representatives: Australian Dental Association (WA Branch) Limited CAR No Phone: (08) Fax: (08) Dental Protection Limited Australia Pty Ltd CAR No Freecall: Fax: (07) MDA National Insurance Pty Ltd ABN AFS Licence No

2 2. Policy Coverage Requirements 2.1 When would you like your cover to commence? / / 2.2 What is your practice category code? Please refer to the Practice Category Guide to determine your appropriate practice category. If you have any questions in relation to the practice categories, please contact the relevant association or organisation that arranges your indemnity insurance. 2.3 Do you act, or are you likely to act, in the capacity of a Medical Practitioner (outside of dentistry) at any time in the insurance year? If, please provide details of the nature of the medical practice undertaken on a separate attachment. 3. Retroactive Cover for Past Practice 3.1 When did you first commence practice as a Dental Practitioner in Australia? / / 3.2 Please provide details of your previous insurers or medical defence organisations for the last 10 years in the table below. If you require additional space please complete on a separate attachment. Name of Organisation/Insurer Period of Insurance Retroactive date* on Policy Please read the information below to obtain an understanding of what retroactive cover is. If you have any questions or are unsure about how to complete this section, contact the association or organisation that arranges your indemnity insurance. *The retroactive date determines how much of your prior practice is covered under your policy. If your previous insurance policy specifies Unlimited for the retroactive date, your MDA National Dental Indemnity Policy will cover you for new matters that you become aware of, arising from your past practice in Australia, irrespective of how long ago the incident occurred. If your previous policy shows a specific retroactive date, please state the date. Your MDA National Insurance Dental Indemnity Policy will not respond to any matter arising out of an incident that occurred before that retroactive date. 4. Qualifications and Registration Qualification Institution Year Qualification Institution Year Dental Board Registration Number Date First Registered in Australia / / 4.1 Have you ever been refused registration, deregistered or suspended from practice as a dental practitioner whether as a result of a disciplinary proceeding or otherwise? If, please provide full details on a separate attachment. 4.2 Do you currently have, or have you ever had, conditions, undertakings, reprimands or notations placed on your registration? If, please provide a copy of these conditions. 2

3 5. Claims and Indemnity History 5.1 Have you ever been refused membership of a Medical Defence or Dental Indemnity Organisation, been refused professional indemnity, had your insurance or membership cancelled or not been offered renewal? 5.2 Has any Medical Defence or Dental Indemnity Organisation or insurer ever imposed any non-standard terms or conditions on your practice or professional indemnity cover, including any requirement that you participate in a risk management program, or have they advised you that such requirements, terms or conditions will be imposed on your current or future indemnity or practice? 5.3 Have you ever had any claims made or threatened against you or against a current or previous employer arising from your provision of dental services, whether finalised or not? 5.4 Are you aware of any circumstances which may give rise to a claim against you or a current or previous employer arising from your provision of dental services? 5.5 Have you ever had any complaints made or threatened against you arising from your provision of dental services, whether they have been investigated or not? 5.6 Have you ever been the subject of an investigation, complaint, disciplinary or other proceeding or inquiry by any hospital, tribunal, professional registration board, court, statutory body (including but not limited to Medicare) or any other body? 5.7 Have you ever been the subject of a criminal investigation or had criminal charges laid against you? For the purposes of this question, please disregard traffic or minor motor vehicle licensing offences. 5.8 Whilst working as a dental practitioner have there been any gaps in your professional indemnity/insurance since the date of your graduation? If you are aware of any claims, investigations or inquiries or circumstances which may result in a claim, complaint, investigation or inquiry, please ensure that you notify your current insurer prior to submitting this application. If you have answered to any question in this section, please provide a detailed description of each matter on a separate attachment. WE MAY REQUIRE YOU TO OBTAIN A FULL CLAIMS HISTORY FROM CURRENT AND PREVIOUS INSURERS. For questions relating to claims, circumstances, inquiries or investigations please include in this description: whether the matter was notified or dealt with by an insurer and, if so, which organisation; the date of the incident; a brief summary of the matter and the relevant details (if the matter involved a patient please do not identify the patient in any way); your involvement in the matter; details of any legal or indemnity payments made, if you are aware of this; the outcome if known (if unknown, please state the last know status). PLEASE DO T SEND ANY ORIGINAL DOCUMENTS WITH THIS PROPOSAL 6. Declaration must be signed and dated I declare that: 1. I agree to be bound by the terms and conditions of the policy. 2. I have read and understood the Important Notice and contents of this proposal and acknowledge that the information included in, or attached to, this form is accurate and complete. 3. I understand my duty of disclosure exists until the contract of insurance is entered into and that I have a continuing obligation to inform MDA National Insurance or its Corporate Authorised Representatives of any material alteration of the risk during the period of insurance including any change in my field of practice or any material change in the nature of professional services provided by me, or the risk category that I have previously declared. 4. I acknowledge that the policy (if issued) will not indemnify me with respect to: (a) (b) (c) (d) (e) claims that have been made against me as at the date of this proposal; claims that arise in the future from matters that I am aware will likely give rise to a claim as at the date of this proposal; any current investigation or inquiry; any future investigation or inquiry that results from a matter that has been, or is currently being, investigated or matters that I am aware of as at the date of this proposal that will be the subject of an investigation or inquiry; and any matter reported on or with this proposal or matters that should have been reported on or with this proposal. Authorisation and Consent: 5. I authorise and request any Dental Board or other registration body to release all information requested by MDA National Insurance regarding my registration as a dental practitioner, any conditions placed on it and any complaints to, or investigations or hearings by, or on behalf of the Dental Board or registration body involving me whether or not there has been a final resolution and I consent to the disclosure of such information to MDA National Insurance or its Corporate Authorised Representatives, reinsurers or advisers, as appropriate. 6. I authorise and request any current or former insurer or indemnity provider to release all information requested by MDA National Insurance regarding all requests for indemnity or assistance including details of claims, complaints, investigations or inquiries involving me, whether or not there has been a final resolution and I consent to the disclosure of such information to MDA National Insurance and any of its reinsurers or advisers, as appropriate. 7. I consent to MDA National Insurance and any companies, firms or individuals who assist in providing services including reinsurers, Corporate Authorised Representatives, solicitors and barristers, holding and using the information I provide and any information provided about me or my practice by a registration body or current or former insurer or indemnity provider, in accordance with the MDA National Group Privacy Policy. Please Sign and Date Here Signed Date / / 3

4 Important Notice To have a thorough understanding of the cover provided under your policy please read the following information in conjunction with the current Dental Indemnity Policy Important Information and Policy Wording, and any Supplementary Important Information and Endorsement to Policy Wording. Your duty of disclosure Before you enter into an insurance contract, you have a duty, under the Insurance Contracts Act 1984 (Cth) to tell us anything that you know, or could reasonably be expected to know, may affect our decision to insure you and on what terms. You have this duty until we agree to insure you. You have the same duty before you renew, extend, vary or reinstate an insurance contract. You do not need to tell us anything that: reduces the risk we insure you for; or is common knowledge; or we know or should know as an insurer; or we waive your duty to tell us about. If you do not tell us something If you do not tell us anything you are required to, we may cancel your contract or reduce the amount we will pay if you make a claim, or both. If your failure to tell us is fraudulent, we may refuse to pay a claim and treat the contract as if it never existed. Claims made cover The Dental Indemnity Policy is a claims made contract of insurance. This means that the policy responds to matters that you first become aware of and notify to us in writing during the period of insurance. Requirement to notify us You must notify us in writing as soon as practicable of any material alteration of the risk during the period of insurance including any material change in the nature of the professional services provided by you. You must also notify us as soon as practicable after you become aware of: (a) any claim, investigation or inquiry; or (b) any circumstance that might lead to a claim against you or to an investigation or inquiry involving you; or (c) any other matter which might give rise to a claim for indemnity under this policy. Rights under section 40(3) of the Insurance Contracts Act If you have a policy with us and you notify us in writing of circumstances which may give rise to a claim during your period of cover, the fact that you do not give us written notice of a claim relating to those circumstances before your policy has expired will not, of itself, relieve us of liability in relation to the claim. However, you must notify us of a claim, investigation or inquiry as soon as you become aware of it. Registered Office: MDA National, Level 3, 88 Colin Street WEST PERTH WA 6005 Web: mdanational.com.au The MDA National Group is made up of MDA National Limited ABN and MDA National Insurance Pty Ltd (MDA National Insurance) ABN AFS Licence No

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